EBA/ECB 2025 Stress Tests Show French Banks Resilient

The European Banking Authority (EBA) and European Central Bank (ECB) published the results of their 2025 stress tests, confirming the resilience of French banks under a severe adverse scenario. The tests covered 64 major EU banking groups and assessed their capital adequacy against macroeconomic and financial shocks, incorporating new CRD6/CRR3 regulations.

Banque de France, ACPR, AMF Launch Financial System Stress Test

The Banque de France, ACPR, and AMF have launched a system-wide exploratory stress test involving over 25 French financial institutions. This exercise aims to understand interconnections and potential destabilization within the financial system under severe stress scenarios.

ACPR, AMF Joint Approach for Client Sustainability Preferences

The ACPR and AMF have jointly developed a supervisory approach to help financial investment advisers and life insurance professionals comply with regulations requiring them to consider clients' sustainability preferences. This guidance provides practical solutions for integrating these preferences into advisory services.

ACPR 2026 Work Programme and Risk Assessment

The ACPR has published its 2026 work programme, outlining priority areas based on risk assessments and supervisory priorities from European bodies. Key focus areas include identifying vulnerabilities, strengthening governance, implementing DORA, preparing for AI supervision, and streamlining supervisory efficiency.

ACPR and AMF Joint Approach on Client Sustainability Preferences

The ACPR and AMF have jointly developed a supervisory approach to help financial investment advisers and life insurance professionals comply with client sustainability preferences under MiFID II and IDD. This guidance aims to facilitate the effective application of regulatory requirements and enhance client protection.

Cooperative Banks vs. Commercial Banks: Lending Conditions

A paper published by the Banque de France analyzes lending conditions for corporate loans in France. It finds that cooperative banks charge higher rates and require less collateral than commercial banks, but relationship lending can alter these dynamics over time.

ACPR Adapts to AI Risks and Gains in Financial Sector

The ACPR, France's financial supervisor, has published guidance on adapting to the risks and gains of Artificial Intelligence in the financial sector. This guidance supplements the European AI Act and outlines the ACPR's approach to supervising AI systems, emphasizing the need for enhanced expertise and cooperation.

Report on Preventing Rebound Accounts for Laundering Fraud Proceeds

The Autorité de contrôle prudentiel et de résolution (ACPR) has released a report detailing a thematic study on French accounts used for laundering fraud proceeds and the AML/CTF systems of supervised financial institutions. The report aims to prevent the use of rebound accounts for illicit activities.

ACPR Presents 2026 Work Programme and Risk Assessment

The ACPR has published its 2026 work programme and risk assessment, outlining priority areas for financial system supervision. These priorities align with the Banque de France's risk assessment and incorporate supervisory objectives from the SSM, EBA, SRB, and EIOPA.

AMF and ACPR Warn Against Unregulated Forex and Crypto-Asset Derivatives

The French AMF and ACPR have issued a warning to the public regarding entities offering investments in unregulated Forex and crypto-asset derivatives. These entities are operating without the necessary authorization in France, posing risks to investors.